Expense Management Association Memberships Include All the Following Practical Solutions for Real-Life Financial Problems

Identity Theft coverage is provided by a fully insured group insurance policy which reimburses identity theft victims.

1. Income Protection - as a result of time off work related to a covered stolen identity event, coverage is provided for lost wages.
2. Expense Reimbursement - related to recovery of your identity, including certain legal fees you might incur;

Call Customer Service at 888-600-3600 for complete details.

Membership In Legal Club of America: Expense Management Association members automatically become members of Legal Club of America.

Your Legal Plan provides a nationwide discount legal referral service with a network of over 20,000 attorneys who have contracted to provide our members with numerous FREE and discounted legal services. Members will be referred to a Plan Attorney based on three criteria: area of law, language spoken and location. Membership includes you, your spouse and any dependents 25 and younger. You may use as many plan attorneys, practicing any area of law, anywhere in the country as often as you like. The following services are provided to our members by our plan attorneys:

Free Legal Services
The following nine (9) services are available at no charge from your plan attorney.

1. Initial phone consultation for each new legal matter (no time limit)
2. Initial face-to-face consultation for each new legal matter (no time limit)
3. Review of independent legal documents (6 page maximum per document, no limit to the number of new independent documents)
4. Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will annually for free
5. A state specific, web based, free Living Will form is available to Members. This form can be taken to a plan attorney and completed by the attorney for free
6. Plan attorneys will help Members represent themselves in small claims court
7. Plan attorneys will provide assistance solving problems with government programs, such as INS and welfare
8. When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per legal matter, with no limit on the number of new legal matters)
9. When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one phone call per legal matter, with no limit on the number of new legal matters)

Membership also includes subscription to We Care - a new innovative and timely financial network.
We Care Provides Practical Solutions for Real-Life Financial Problems in Five Key Areas.

1. Credit Restoration
Inaccurate items on a credit report negatively affect the credit scoring process and can cause widespread financial difficulty. Credit Restoration through We Care disputes inaccurate items on a customer's behalf. When inaccuracies are removed, credit scores can increase significantly.

2. Debt Settlement*
Debt causes financial paralysis resulting in inefficient consumers, employees, and group members. Debt settlement* offered through We Care can remedy this problem in less time and for less money than most consumers expect.

3. Bankruptcy Counseling
Due to recent changes in bankruptcy laws, stricter requirements are placed on consumers who file. Bankruptcy counseling helps a debtor understand bankruptcy options and requirements. Counseling sessions also provide documents required by the court prior to filing bankruptcy.

4. Loss Mitigation
Homeowners who are behind on mortgage payments may avoid foreclosure by accessing a loss mitigation plan. Through this HUD approved loss mitigation program, homeowners can avoid foreclosure by working with a plan tailored specifically to their needs.

5. Financial Education
We Care provides financial assistance for consumers through written information and articles to prepare them for any financial situation they may encounter. In addition expert counselors are available to We Care members when personal financial advice is needed.

*Debt Settlement services not available in every state.

Click here to view our Exclusions & Limitations of the involuntary unemployment member benefit